1. Collateral value uncertainty and mortgage credit provision. (2025). Zhang, Anthony Lee ; Jiang, Erica Xuewei.
   In: Journal of Financial Economics.
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2. Recourse and (strategic) mortgage defaults: Evidence from changes in housing market laws. (2025). Vlahu, Razvan ; Andrieș, Alin Marius ; Copaciu, Anca ; Popa, Radu.
   In: European Economic Review.
   RePEc:eee:eecrev:v:173:y:2025:i:c:s0014292125000042.

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3. Refinancing cross-subsidies in the mortgage market. (2024). Ramadorai, Tarun ; Gavazza, Alessandro ; Liu, LU ; Tripathy, Jagdish ; Fisher, Jack.
   In: LSE Research Online Documents on Economics.
   RePEc:ehl:lserod:123686.

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4. Refinancing cross-subsidies in the mortgage market. (2024). Ramadorai, Tarun ; Gavazza, Alessandro ; Liu, LU ; Tripathy, Jagdish ; Fisher, Jack.
   In: Journal of Financial Economics.
   RePEc:eee:jfinec:v:158:y:2024:i:c:s0304405x24000990.

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5. Mortgage Lock‐In, Mobility, and Labor Reallocation. (2024). Liu, LU ; Fonseca, Julia.
   In: Journal of Finance.
   RePEc:bla:jfinan:v:79:y:2024:i:6:p:3729-3772.

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6. Financing the Gig Economy. (2024). Buchak, Greg.
   In: Journal of Finance.
   RePEc:bla:jfinan:v:79:y:2024:i:1:p:219-256.

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7. The demand for long-term mortgage contracts and the role of collateral. (2023). Liu, LU.
   In: ESRB Working Paper Series.
   RePEc:srk:srkwps:2023142.

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8. Household Liquidity and Macroeconomic Stabilization: Evidence from Mortgage Forbearance. (2023). Lee, Sean Chanwook ; Maghzian, Omeed.
   In: Working Papers.
   RePEc:fip:fedbwp:97157.

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9. The demand for long-term mortgage contracts and the role of collateral. (2023). Liu, LU.
   In: Bank of England working papers.
   RePEc:boe:boeewp:1009.

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10. Tracing the source of liquidity for distressed housing markets. (2023). Xiao, Steven Chong ; Ganduri, Rohan.
    In: Real Estate Economics.
    RePEc:bla:reesec:v:51:y:2023:i:2:p:408-440.

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11. Racial Disparities in Housing Returns. (2022). Wong, Francis ; Kermani, Amir.
    In: VfS Annual Conference 2022 (Basel): Big Data in Economics.
    RePEc:zbw:vfsc22:264099.

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12. The economics of debt relief during a pandemic: lessons from the experience in Ireland. (2022). McCann, Fergal ; Gaffney, Edward.
    In: ESRB Occasional Paper Series.
    RePEc:srk:srkops:202220.

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13. Housing Consumption and Investment: Evidence from Shared Equity Mortgages. (2022). Bracke, Philippe ; Garbarinoifo, Nicola ; Benetton, Matteo ; Cocco, Joo F.
    In: The Review of Financial Studies.
    RePEc:oup:rfinst:v:35:y:2022:i:8:p:3525-3573..

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14. Mortgage cash-flows and employment. (2022). Cumming, Fergus.
    In: European Economic Review.
    RePEc:eee:eecrev:v:144:y:2022:i:c:s0014292121002865.

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15. Non-bank lending to mid-size firms in Europe: evidence from corporate securities. (2022). Papoutsi, Melina ; Darmouni, Olivier.
    In: Working Paper Series.
    RePEc:ecb:ecbwps:20222663.

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16. Use of loan moratoria by CESEE households: who are the users and how vulnerable are they?. (2021). Beckmann, Elisabeth ; Allinger, Katharina.
    In: Focus on European Economic Integration.
    RePEc:onb:oenbfi:y:2021:i:q3/21:b:1.

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17. Borrower Expectations and Mortgage Performance: Evidence from the COVID-19 Pandemic. (2021). Redmer, Chad ; Makridis, Christos ; Larson, William.
    In: FHFA Staff Working Papers.
    RePEc:hfa:wpaper:21-02.

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18. Debt relief and slow recovery: A decade after Lehman. (2021). Seru, Amit ; Piskorski, Tomasz.
    In: Journal of Financial Economics.
    RePEc:eee:jfinec:v:141:y:2021:i:3:p:1036-1059.

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19. Recourse and (strategic) mortgage defaults: Evidence from changes in housing market laws. (2021). Vlahu, Razvan ; Andrieș, Alin Marius ; Popa, Radu ; Copaciu, Anca ; Andries, Alin Marius.
    In: Working Papers.
    RePEc:dnb:dnbwpp:727.

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20. Structuring Mortgages for Macroeconomic Stability. (2021). Campbell, John ; Clara, Nuno ; Cocco, Joo F.
    In: Journal of Finance.
    RePEc:bla:jfinan:v:76:y:2021:i:5:p:2525-2576.

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21. The Impact of Repossession Risk on Mortgage Default. (2021). O'Malley, Terry.
    In: Journal of Finance.
    RePEc:bla:jfinan:v:76:y:2021:i:2:p:623-650.

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22. Mortgage Design in an Equilibrium Model of the Housing Market. (2021). KRISHNAMURTHY, ARVIND ; Guren, Adam ; McQuade, Timothy J.
    In: Journal of Finance.
    RePEc:bla:jfinan:v:76:y:2021:i:1:p:113-168.

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23. Structuring Mortgages for Macroeconomic Stability. (2020). Campbell, John ; Clara, Nuno ; Cocco, Joo F.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:27676.

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24. How Repayments Manipulate Our Perceptions about Loan Dynamics after a Boom. (2020). Matteo, Falagiarda ; Ramon, Adalid.
    In: Journal of Economics and Statistics (Jahrbuecher fuer Nationaloekonomie und Statistik).
    RePEc:jns:jbstat:v:240:y:2020:i:6:p:697-742:n:3.

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25. A Multi-State Approach to Modelling Intermediate Events and Multiple Mortgage Loan Outcomes. (2020). Bravo, Jorge ; Chamboko, Richard.
    In: Risks.
    RePEc:gam:jrisks:v:8:y:2020:i:2:p:64-:d:369662.

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26. The Bond Lending Channel of Monetary Policy. (2020). Darmouni, Olivier ; Giesecke, Oliver ; Rodnyansky, Alexander.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:14659.

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27. The Bond Lending Channel of Monetary Policy. (2020). Darmouni, Olivier ; Rodnyansky, R ; Giesecke, O.
    In: Cambridge Working Papers in Economics.
    RePEc:cam:camdae:2049.

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28. The role of households’ borrowing constraints in the transmission of monetary policy. (2020). Hubert, Paul ; Cumming, Fergus.
    In: Bank of England working papers.
    RePEc:boe:boeewp:0836.

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29. No Job, No Money, No Refi: Frictions to Refinancing in a Recession. (2020). DeFusco, Anthony ; Mondragon, John.
    In: Journal of Finance.
    RePEc:bla:jfinan:v:75:y:2020:i:5:p:2327-2376.

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30. The role of households borrowing constraints in the transmission of monetary policy. (2019). Hubert, Paul ; Cumming, Fergus.
    In: Sciences Po publications.
    RePEc:spo:wpmain:info:hdl:2441/5buvtkmlk091prrdje4a0tbkla.

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31. Housing Dynamics without Homeowners. The Role of I. (2019). Gete, Pedro ; Garriga, Carlos ; Tsouderou, Athena.
    In: 2019 Meeting Papers.
    RePEc:red:sed019:1407.

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32. The role of households borrowing constraints in the transmission of monetary policy. (2019). Hubert, Paul ; Cumming, Fergus.
    In: Working Papers.
    RePEc:hal:wpaper:hal-03403257.

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33. The role of households borrowing constraints in the transmission of monetary policy. (2019). Hubert, Paul ; Cumming, Fergus.
    In: SciencePo Working papers Main.
    RePEc:hal:spmain:hal-03403257.

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34. The Role of Households Borrowing Constraints in the Transmission of Monetary Policy This paper investigates how the transmission of monetary policy to the real economy depends on the distribution of h. (2019). Hubert, Paul ; Cumming, Fergus.
    In: Documents de Travail de l'OFCE.
    RePEc:fce:doctra:1920.

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35. Reference Dependence in the Housing Market. (2019). Ramadorai, Tarun ; Andersen, Steffen ; Liu, LU ; Marx, Julie ; Badarinza, Cristian.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:14147.

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36. Mortgage Cash-flows and Employment. (2019). Cumming, Fergus.
    In: Discussion Papers.
    RePEc:cfm:wpaper:1922.

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37. Macro Aspects of Housing. (2018). Ng, Joe Cho Yiu ; Leung, Charles ; Yiu, Joe Cho ; Ka, Charles.
    In: MPRA Paper.
    RePEc:pra:mprapa:93512.

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38. Debt Relief and Slow Recovery: A Decade after Lehman. (2018). Seru, Amit ; Piskorski, Tomasz.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:25403.

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39. Mortgage Design in an Equilibrium Model of the Housing Market. (2018). KRISHNAMURTHY, ARVIND ; Guren, Adam ; McQuade, Timothy J.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:24446.

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40. Macro Aspects of Housing. (2018). Ng, Joe Cho Yiu ; Leung, Charles.
    In: Globalization Institute Working Papers.
    RePEc:fip:feddgw:340.

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41. Macro Aspects of Housing. (2018). Ng, Joe Cho Yiu ; Leung, Charles ; Yiu, Joe Cho.
    In: ISER Discussion Paper.
    RePEc:dpr:wpaper:1030.

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42. Mortgages, cash-flow shocks and local employment. (2018). Cumming, Fergus.
    In: Bank of England working papers.
    RePEc:boe:boeewp:0773.

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1. 2. See Brainard and Dolbear (1971), Shiller (1994), and Davis and Willen (2000). Fuster and Willen (2011) argue that borrowing limits reduce the appeal of using financial assets to share risk.
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11. “Financial Fragility with SAM?” Working paper. http://www.dlgreenwald.com Griffin, John M., and Gonzalo Maturana. 2016. “Who Facilitated Misreporting in Securitized Loans?” Review of Financial Studies 29, no. 2: 384–419.

12. “Mortgage Modification and Strategic Behavior: Evidence from a Legal Settlement with Countrywide.” American Economic Review 104, no. 9: 2830–57.
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13. Adelino, Manuel, Antoinette Schoar, and Felipe Severino. 2016. “Loan Originations and Defaults in the Mortgage Crisis: The Role of the Middle Class.” Review of Financial Studies 29, no. 7: 1635–70.
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14. Adelino, Manuel, Kristopher Gerardi, and Paul S. Willen. 2014. “Why Don’t Lenders Renegotiate More Home Mortgages? Redefaults, Self-Cures and Securitization.” Journal of Monetary Economics 60, no. 7: 835–53.
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15. Agarwal, Sumit, Gene Amromin, Itzhak Ben-David, Souphala Chomsisengphet, Tomasz Piskorski, and Amit Seru. 2017a. “Policy Intervention in Debt Renegotiation: Evidence from the Home Affordable Modification Program.” Journal of Political Economy 125, no. 3: 654–712.
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16. Agarwal, Sumit, Gene Amromin, Souphala Chomsisengphet, Tim Landvoigt, Tomasz Piskorski, Amit Seru, and Vincent Yao. 2017b. “Mortgage Refinancing, Consumer Spending, and Competition: Evidence from the Home Affordable Refinancing Program.” Working Paper no. 21512. Cambridge, Mass.: National Bureau of Economic Research.
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17. Agarwal, Sumit, Souphala Chomsisengphet, Neale Mahoney, and Johannes Stroebel. 2018. “Do Banks Pass Through Credit Expansions to Consumers Who Want to Borrow?” Quarterly Journal of Economics 133, no. 1: 129–90.

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21. Benmelech, Efraim, Ralf R. Meisenzahl, and Rodney Ramcharan. 2017. “The Real Effects of Liquidity during the Financial Crisis: Evidence from Automobiles.” Quarterly Journal of Economics 132, no. 1: 317–65.

22. Beraja, Martin, Andreas Fuster, Erik Hurst, and Joseph Vavra. 2017. “Regional Heterogeneity and Monetary Policy.” Working Paper no. 23270. Cambridge, Mass.: National Bureau of Economic Research.

23. Berger, David, Nicholas Turner, and Eric Zwick. 2016. “Stimulating Housing Markets.” Working Paper no. 22903. Cambridge, Mass.: National Bureau of Economic Research.
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24. Bhutta, Neil, and Benjamin J. Keys. 2016. “Interest Rates and Equity Extraction during the Housing Boom.” American Economic Review 106, no. 7: 1742–74.

25. Chen, Hui, Michael Michaux, and Nikolai Roussanov. 2013. “Houses as ATMs? Mortgage Refinancing and Macroeconomic Uncertainty.” Working Paper no. 19421. Cambridge, Mass.: National Bureau of Economic Research.

26. Created in 1988, this program provides local homeowners with full insurance against house price falls that is financed by levying a special local tax on neighborhood residents. To be eligible for the insurance, a homeowner 1. 78 Fed. Reg. 6407 (September 30, 2013).
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27. DeFusco, Anthony A., Stephanie Johnson, and John Mondragon. 2017. “Regulating Household Leverage.” Working paper. http://www.kellogg.northwestern.edu/ faculty/defusco/documents/regulating_leverage.pdf Shiller, Robert J. 2008. The Subprime Solution: How Today’s Global Financial Crisis Happened, and What to Do about It. Princeton University Press.

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31. Dunn, Kenneth B., and Chester S. Spatt. 1985. “An Analysis of Mortgage Contracting: Prepayment Penalties and the Due-on-Sale Clause.” Journal of Finance 40, no. 1: 293–308.

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33. Favilukis, Jack, Sydney C. Ludvingson, and Stijn Van Nieuwerburgh. 2017. “The Macroeconomic Effects of Housing Wealth, Housing Finance, and Limited Risk Sharing in General Equilibrium.” Journal of Political Economy 125, no. 1: 140–223.

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56. REFERENCES FOR THE DeFUSCO COMMENT Byrne, John. 2017. “Northwest Side Development Reignites Interest in Program Aimed at Preventing White Flight.” Chicago Tribune, May 22.
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59. The intellectual foundations for indexed mortgages have existed for a long time. The insight that financial assets tied to states of the world allow households to share risk goes back at least as far as Kenneth Arrow (1953) and Gerard Debreu (1959), and economists have been thinking about how to use indexes to facilitate these contracts ever since.2 The Bureau of Labor Statistics started publishing consistent, monthly, state-level unemployment rates in 1976, and the Office of Federal Housing Enterprise Oversight released quarterly, state-level, repeat-sales indexes for all 50 states starting 1. I thank Christopher Foote and Lara Loewenstein for help formulating this discussion, and Andreas Fuster and Joe Peek for comments. The views expressed in this comment are my own and do not necessarily reflect the views of the Federal Reserve Bank of Boston or the Federal Reserve System.
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60. Unclear tax treatment. Chief among these constraints is the ambiguity with which the tax code treats mortgage contracts that base borrower payments on changes in house prices. These contracts include both the standard shared appreciation mortgage (SAM) and its more complex variants, such as the continuous workout mortgage proposed by Robert Shiller (2008).
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1. Ignoring Spatial and Spatiotemporal Dependence in the Disturbances Can Make Black Swans Appear Grey. (2022). Calabrese, Raffaella ; Pace, Kelley R.
   In: The Journal of Real Estate Finance and Economics.
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2. Religion and Mortgage Misrepresentation. (2022). Diop, Moussa ; Qiu, Mingming ; Conklin, James.
   In: Journal of Business Ethics.
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3. Do investors value frequent issuers in securitization?. (2021). Deku, Solomon ; Karimov, Nodirbek ; Kara, Alper.
   In: Review of Quantitative Finance and Accounting.
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4. Collateral Misrepresentation, External Auditing, and Optimal Supervisory Policy. (2021). Tuluk, Fatih.
   In: Open Economies Review.
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5. Debt relief and slow recovery: A decade after Lehman. (2021). Seru, Amit ; Piskorski, Tomasz.
   In: Journal of Financial Economics.
   RePEc:eee:jfinec:v:141:y:2021:i:3:p:1036-1059.

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6. What drove the 2003–2006 house price boom and subsequent collapse? Disentangling competing explanations. (2021). Kruger, Samuel ; Griffin, John M ; Maturana, Gonzalo.
   In: Journal of Financial Economics.
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7. Does local competition and firm market power affect investment adviser misconduct?. (2021). Khan, Zaheer ; Tarba, Shlomo Y ; Gelman, Michael ; Shoham, Amir.
   In: Journal of Corporate Finance.
   RePEc:eee:corfin:v:66:y:2021:i:c:s0929119920302546.

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8. Bond covenants, bankruptcy risk, and the cost of debt. (2021). Qi, Yaxuan ; Mansi, Sattar A ; Wald, John K.
   In: Journal of Corporate Finance.
   RePEc:eee:corfin:v:66:y:2021:i:c:s0929119920302431.

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9. Appraising home purchase appraisals. (2021). Nakamura, Leonard ; Calem, Paul ; Lambiehanson, Lauren ; Kenney, Jeanna.
   In: Real Estate Economics.
   RePEc:bla:reesec:v:49:y:2021:i:s1:p:134-168.

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10. Possible income misstatement on mortgage loan applications: Evidence from the Canadian housing market. (2021). Basiri, Kiana ; Mahmoudi, Babak.
    In: Real Estate Economics.
    RePEc:bla:reesec:v:49:y:2021:i:3:p:917-935.

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11. For Richer, for Poorer: Bankers Liability and Bank Risk in New England, 1867 to 1880. (2021). Salisbury, Laura ; Koudijs, Peter ; Sran, Gurpal.
    In: Journal of Finance.
    RePEc:bla:jfinan:v:76:y:2021:i:3:p:1541-1599.

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12. Possible income misstatement on mortgage loan applications: Evidence from the Canadian housing market. (2020). Basiri, Kiana ; Mahmoudi, Babak.
    In: MPRA Paper.
    RePEc:pra:mprapa:108450.

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13. Compliance and competition with heterogeneous service providers: the federal Lifeline program. (2020). Conkling, Thomas S.
    In: Journal of Regulatory Economics.
    RePEc:kap:regeco:v:57:y:2020:i:1:d:10.1007_s11149-020-09400-5.

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14. Competition and Appraisal Inflation. (2020). Le, Thao ; Diop, Moussa ; Conklin, James ; Coulson, Edward N.
    In: The Journal of Real Estate Finance and Economics.
    RePEc:kap:jrefec:v:61:y:2020:i:1:d:10.1007_s11146-019-09697-w.

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15. Trustworthiness in the Financial Industry. (2020). Sutter, Matthias ; Schumacher, Heiner ; Heinz, Matthias ; Gill, Andrej.
    In: IZA Discussion Papers.
    RePEc:iza:izadps:dp13583.

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16. Trustworthiness in the Financial Industry. (2020). Sutter, Matthias ; Heinz, Matthias ; Schumacher, Heiner ; Gill, Andrej.
    In: Working Papers.
    RePEc:inn:wpaper:2020-28.

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17. Can regulation de-bias appraisers?. (2020). Ambrose, Brent ; Yao, Vincent W ; Agarwal, Sumit.
    In: Journal of Financial Intermediation.
    RePEc:eee:jfinin:v:44:y:2020:i:c:s104295731930035x.

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18. Risk transfer and moral hazard: An examination on the market for insurance-linked securities. (2020). Gotze, Tobias ; Gurtler, Marc.
    In: Journal of Economic Behavior & Organization.
    RePEc:eee:jeborg:v:180:y:2020:i:c:p:758-777.

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19. Hard markets, hard times: On the inefficiency of the CAT bond market. (2020). Gotze, Tobias ; Gurtler, Marc.
    In: Journal of Corporate Finance.
    RePEc:eee:corfin:v:62:y:2020:i:c:s092911991930937x.

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20. Trustworthiness in the Financial Industry. (2020). Sutter, Matthias ; Schumacher, Heiner ; Heinz, Matthias ; Gill, Andrej.
    In: CESifo Working Paper Series.
    RePEc:ces:ceswps:_8501.

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21. Trustworthiness in the financial industry. (2020). Sutter, Matthias ; Schumacher, Heiner ; Heinz, Matthias ; Gill, Andrej.
    In: ECONtribute Discussion Papers Series.
    RePEc:ajk:ajkdps:022.

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22. Economic Consequences of Housing Speculation. (2019). Xiong, Wei ; Gao, Zhenyu ; Sockin, Michael.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:26457.

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23. Risk and Performance of Mutual Funds’ Securitized Mortgage Investments. (2019). Ambrose, Brent ; Dlima, Walter ; Diop, Moussa ; Thibodeau, Mark.
    In: The Journal of Real Estate Finance and Economics.
    RePEc:kap:jrefec:v:59:y:2019:i:4:d:10.1007_s11146-018-9685-9.

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24. The Importance of Originator-Servicer Affiliation in Loan Renegotiation. (2019). Dlima, Walter ; Le, Thao ; Diop, Moussa ; Conklin, James N.
    In: The Journal of Real Estate Finance and Economics.
    RePEc:kap:jrefec:v:59:y:2019:i:1:d:10.1007_s11146-018-9671-2.

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25. The influence of contract prices and relationships on appraisal bias. (2019). Eriksen, Michael ; Palim, Mark ; Fout, Hamilton B ; Rosenblatt, Eric.
    In: Journal of Urban Economics.
    RePEc:eee:juecon:v:111:y:2019:i:c:p:132-143.

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26. Mortgage characteristics and the racial incidence of default. (2019). Mayock, Tom ; Li, Phillip.
    In: Journal of Housing Economics.
    RePEc:eee:jhouse:v:46:y:2019:i:c:s1051137718303188.

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27. Do labor markets discipline? Evidence from RMBS bankers. (2019). Kruger, Samuel ; Griffin, John M ; Maturana, Gonzalo.
    In: Journal of Financial Economics.
    RePEc:eee:jfinec:v:133:y:2019:i:3:p:726-750.

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28. Are lemons sold first? Dynamic signaling in the mortgage market. (2019). Adelino, Manuel ; Gerardi, Kristopher ; Hartman-Glaser, Barney.
    In: Journal of Financial Economics.
    RePEc:eee:jfinec:v:132:y:2019:i:1:p:1-25.

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29. Securitization, bank behaviour and financial stability: A systematic review of the recent empirical literature. (2019). Deku, Solomon ; Zhou, Yifan ; Kara, Alper.
    In: International Review of Financial Analysis.
    RePEc:eee:finana:v:61:y:2019:i:c:p:245-254.

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30. Do reputable issuers provide better-quality securitizations?. (2019). Marques-Ibanez, David ; Deku, Solomon ; Marques-Ibaez, David ; Kara, Alper.
    In: Working Paper Series.
    RePEc:ecb:ecbwps:20192236.

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31. Vague lies and lax standards of proof: On the law and economics of advice. (2019). Drugov, Mikhail ; Troyamartinez, Marta.
    In: Journal of Economics & Management Strategy.
    RePEc:bla:jemstr:v:28:y:2019:i:2:p:298-315.

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32. A comprehensive view on risk reporting: Evidence from supervisory data. (2018). Abbassi, Puriya ; Schmidt, Michael.
    In: Discussion Papers.
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33. Too Much Skin-in-the-Game? The Effect of Mortgage Market Concentration on Credit and House Prices. (2018). Gupta, Deeksha.
    In: 2018 Meeting Papers.
    RePEc:red:sed018:512.

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34. An Equilibrium Model of Housing and Mortgage Markets with State-Contingent Lending Contracts. (2018). Tchistyi, Alexei.
    In: 2018 Meeting Papers.
    RePEc:red:sed018:244.

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35. Debt Relief and Slow Recovery: A Decade after Lehman. (2018). Seru, Amit ; Piskorski, Tomasz.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:25403.

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36. Are Lemons Sold First? Dynamic Signaling in the Mortgage Market. (2018). Gerardi, Kristopher ; Adelino, Manuel ; Hartman-Glaser, Barney.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:24180.

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37. Unintended Consequences of Risk Based Pricing: Racial Differences in Mortgage Costs. (2018). Daniels, Kenneth ; Smith, Brent C.
    In: Journal of Financial Services Research.
    RePEc:kap:jfsres:v:54:y:2018:i:3:d:10.1007_s10693-017-0274-5.

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38. A comprehensive view on risk reporting: Evidence from supervisory data. (2018). Abbassi, Puriya ; Schmidt, Michael.
    In: Journal of Financial Intermediation.
    RePEc:eee:jfinin:v:36:y:2018:i:c:p:74-85.

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39. The effect of mortgage securitization on foreclosure and modification. (2018). Kruger, Samuel.
    In: Journal of Financial Economics.
    RePEc:eee:jfinec:v:129:y:2018:i:3:p:586-607.

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40. Managerial myopia and the mortgage meltdown. (2018). Yang, Nan ; Kolasinski, Adam C.
    In: Journal of Financial Economics.
    RePEc:eee:jfinec:v:128:y:2018:i:3:p:466-485.

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41. Vague lies and lax standards of proof: On the law and economics of advice. (2018). Troya Martinez, Marta ; Drugov, Mikhail ; Troya-Martinez, Marta.
    In: Working Papers.
    RePEc:cfr:cefirw:w0246.

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42. The Real Effects of FAS 166/167 on Banks’ Mortgage Approval and Sale Decisions. (2018). Xie, Biqin ; Dou, Yiwei ; Ryan, Stephen G.
    In: Journal of Accounting Research.
    RePEc:bla:joares:v:56:y:2018:i:3:p:843-882.

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43. Mortgage Market Design: Lessons from the Great Recession. (2018). Piskorski, Tomasz ; Seru, Amit.
    In: Brookings Papers on Economic Activity.
    RePEc:bin:bpeajo:v:49:y:2019:i:2018-01:p:429-513.

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44. Mortgage Market Design: Lessons from the Great Recession. (2018). Seru, Amit ; Piskorski, Tomasz.
    In: Brookings Papers on Economic Activity.
    RePEc:bin:bpeajo:v:49:y:2018:i:2018-01:p:429-513.

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45. Vague lies and lax standards of proof: On the law and economics of advice. (2018). Drugov, Mikhail ; Troya-Martinez, Marta.
    In: Working Papers.
    RePEc:abo:neswpt:w0246.

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46. An Equilibrium Model of Housing and Mortgage Markets with State-Contingent Lending Contracts. (2017). Piskorski, Tomasz ; Tchistyi, Alexei.
    In: NBER Working Papers.
    RePEc:nbr:nberwo:23452.

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47. Canary in a Coalmine: Securities Lending Predicting the Performance of Securitized Bonds. (2017). Massa, Massimo ; Kempf, Elisabeth ; Manconi, Alberto.
    In: CEPR Discussion Papers.
    RePEc:cpr:ceprdp:11993.

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48. Income Rounding and Loan Performance in the Peer-to-Peer Market. (2016). Talavera, Oleksandr ; Eid, Nourhan ; Maltby, Josephine.
    In: MPRA Paper.
    RePEc:pra:mprapa:72852.

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49. Qualified residential mortgages and default risk. (2016). White, Joshua ; Floros, Ioannis .
    In: Journal of Banking & Finance.
    RePEc:eee:jbfina:v:70:y:2016:i:c:p:86-104.

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50. Securitization and lending standards: Evidence from the European wholesale loan market. (2016). Ongena, Steven ; Marques-Ibanez, David ; Kara, Alper.
    In: Journal of Financial Stability.
    RePEc:eee:finsta:v:26:y:2016:i:c:p:107-127.

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